See example repayments before you apply
Personal loans from $1000 to $20,000. Use the calculator for a repayment guide, then apply online.
Step 1 of 2
See what your loan could cost
Why Not Finance offers personal loans from $1,000 to $20,000 with flexible weekly, fortnightly or monthly repayments. Move the sliders for an estimated repayment guide before you apply, with no sign-up and no obligation.
Estimates give you a close idea of what to expect. Your final repayments are confirmed once your application has been assessed.
Loan Calculator
How much would you like to borrow?
Includes Establishment fee from $100 to $220 depending on amount of new money borrowed, Administration fee of $6 per month & an ID Verification Processing Fee of $7.70. Repayments shown are an example based on an Interest Rate of 29.50% p.a. Basalt Group offers personalised rates ranging from 10.00% to 29.50%. Minimum weekly repayment amount is $25. Minimum instalments, loan terms and responsible lending criteria, terms and conditions apply.
Step 2 of 2
Start your two-minute application
Most loans are processed the same day.
Why Choose Why Not Finance
A clear, straightforward way to borrow, built around knowing what to expect.
See It Before You Apply
Get an estimated repayment guide from the calculator before you commit.
A Fast Response
A two-minute online application with most loans processed the same day.
Transparent Terms
Real-world rates and clear repayment options, with no hidden fees.
Real Customer Service
Friendly people in our Manukau and Mt Wellington offices, ready to help.